catsmeow

I need a credit card that has a good gift certificate rewards program. I don't care about airline miles. I would like one with walmart or target gift cards.

mndtrp

Chase Rewards.

Be prepared for an influx of junk mail, though.

nemein

If you shop at Amazon a lot I recommend their card.

costanza187

I like the AMEX Blue I think it's called.... Cash back. Right now I am using a US Bank Visa with a Cash back program.

I like $$$

garolo

If you don't mind getting less than 1% most of the time then Discover is good. They double their rewards for some merchants (Sharper Image) and give you 20% extra on others (Borders, LL Bean, etc). They also run 5% programs throughout the year which gives you 5% back on certain purchases. When Sharper Image sold them, my wife got a 4G 20GB iPod for $150 with Discover rewards cards. Unfortunately SI doesn't allow card stacking anymore with Discover rewards.

MovieExchange

I just got majorly boned by Chase, I wouldn't recommend them to anyone.

Over the July 4th weekend I bought a new TV at Circuit City. The deal was no interest for 18 months if you're approved for their credit card through Chase. I was approved and got the card. Two weeks later I decided that I should get a better DVD player to go with the TV, so I bought one and put it on my Circuit City credit card, as they have a reward program similar to Amazon.

I made my first card payment, the minimum for the TV purchase plus the entire DVD player purchase, and a little bit extra since I could afford it.

I got my second bill yesterday, and they're charging me interest on the DVD player purchase. It won't be considered paid off until the TV and other related items (about $2400 total) from the interest free offer are paid for.

I called Chase to complain and instead of working with me to find a solution, the stupid slitch tried to sell me on a god damned LOAN through chase to pay off the card. Yeah, I want to have yet another thing you can charge me interest on. I closed the account and dipped into savings that I didn't want to get into to pay the card off completely.

DVD Josh

I understand the anger, but that was biting your nose to spite your face. You've already taken the credit hit and closing the account just reduces your available credit and as you said, made you accelerate the payment.

Best thing to do would have been to return the DVD player and simply made the payments and cut the card up.

DVD Josh

AMEX Blue Cash. Tough card to get if you don't have excellent credit (low util / 720+).

I just signed up for the BOA/MBNA World Points card. World Points are great because you can use them for just about anything.

quietsoul

Not to be an ass, but I thought that is how those offers work -- no interests for X months on the original/first purchase, but additional purchases accrue interest until the first one is paid off in full?

The pitch on the loan was poor form, but given that it is a new account, I don't think there is much that could be done.

SoSpacey

Citi Diamond Rewards Platinum Card

I dont know if its exactly what you ar elooking for but I know they have a gift certifcate redemtion.

No Annual Fee
5% on Gas, Groceries and Drug Store purchases

We have about 80k in points from the last year that we are trying to figure out what to do with.

Lateralus

I have the same card, but after a year it goes down to 1% on Gas Groceries and Drug Store purcahses.

I prefer Chase cards, I love my Amazon card.

SoSpacey

I have had mine over a year and the offer remained the same. Maybe I had a different offer?

Venusian

the citibank is changing in october

Buford T Pusser

We have an Amer Ex Blue w/reward points (have never redeemed), ToysRUs Visa ($10 Geoffrey money), Target Visa (10 percent off coupons), Discover (get $250 or so a year-they lowered the amount/percentage or something. We used to get $500 a year).



A relative just got some top job w/Discover and every time he says the name he follows up with "Discover - the card that pays you back...a $3.5B part of Morgan Stanley". It's starting to get annoying.

MovieExchange

Not really. I already have other credit cards, the only reason I got this one is that it was required to get the no interest deal. It wasn't a necessity that I pay it off in installments, just a little more convenient. However, when balanced against the principle of paying interest to them that I shouldn't be charged, the convenience factor wasn't important enough.

Michael Corvin

I have the Citi Platinum. I just turned in 20K for $200 in Best Buy gift cards to put towards the Nintendo Wii. From what I have seen, no matter the store(CC, Target, Borders, BB, etc), 10K is roughly $100 at various retailers.

$800 in gift cards to one store would be great for a large purchase like a tv.

GIjon213

In what way?

Colleen

The 5% purchases are now worth 2% if I recall. I got the notice a week or two ago. I'm disappointed, but it's still a great deal (it was kind of unbelievable for all those years at 5%).

dstrauss

American Express Membership Rewards is a great program, if you use your card a lot.

paulringodaman

thanks for all these great suggestions

Lateralus

Yeah that's it!

Ph8te

if you are looking for a rewards program that is NOT cash but rather points I reccomend the CitiBank Diamond Prefered Rewards......I am not sure if they are still running the promo BUT when i got the card in Jan, they offered 5 points for Gas, Food, Rest. for the 1st 12 months then after that 1 pnt=1$, its really just 4 bonus points added to those qualifying purchases. If you do go for the card depending on your credit ect, I reccomend going for the Citi PP lower underwriting requirements and you can convert the card to ANY card that you want as soon as you receive the card. By going for the PP you will mostlikely get a higher starting limit (again depending on you Credit ect...) which will give you more spending power...SO far I love my DPR and I get Thank You points to convert to Gift Cards, Hotel, aireline tickets, merchandise ect.......

Ph8te

I beleive that this was for the Cash Back card not the Points card the DPR is reamining the same (as far as I know) and the Cash Back card it the only one that is getting "downgraded"

SunMonkey

Another vote for the Citi Diamond Rewards Platinum Card. Along with 5% back noted by others, they also give 5000 points ($50 gift card of your choice) as a sign-up bonus.

Michael Corvin

Wait... I think I called about that one, because that offer sounds very familiar. They wanted $75 annual fee for it. I passed. You aren't really earning something if you are paying for it up front.